Li, Xiaoli; Zhang, Dongsheng; Zeng, Na; Meng, Defeng - In: International Journal of Financial Studies : open … 14 (2026) 2, pp. 1-28
, fundamentally influencing operational efficiency, resource allocation, and profitability. This study investigates how AI adoption …-operational efficiency and resource allocation-manifested in (i) higher cost elasticity of income, (ii) improved deposit-loan turnover … adaptability via more efficient liquidity and funding-cycle management, and (iii) optimized cross-business capital allocation …